今年以来，多家银行、证券、保险机构撤销或宣布撤销其监事会。 文/ 《清华金融评论》 白浩辰 今年以来，以国有大行为首的多家银行、证券、保险机构宣布撤销 其公司监事会，并将相应职权移交至董事会审计委员会。该公司治 理改革的动因是顶层法规设计的变动和落地，新修订的《公司法》 第1 2 1条明确允许公司通过董事会下设审计委员会行使监事会职权， 并不再强制要求设立监事会，这很大程度上削弱了监事会的不可替 代性。由于撤销监事会能够降低公司治理成本，因此将有更多的金 融机构启动公司治理改革。 一场公司治理改革的浪潮正席卷金融机构。 新修订的《公司法》第121条明确允许股份有限公司通过 董事会下设审计委员会行使监事会职权，不再强制要求设立监事会。 国有大行带头，金融机构加紧撤销监事会 而在新修订的《公司法》落地生效的大背景下，银行、证券、保险等金融机构对《公司法》监事会职权 调整自动适用。2024年12月31日，国家金融监督管理总局发布了《关于公司治理监管规定与公司法衔接 有关事项的通知》（下称"《通知》"），重申了这一改革方面，明确金融机构可以按照公司章程规定， 在董事会中设置由董事组成的审计委员会，行使《公司法》和监管 ...

Core Viewpoint - The recent trend of lowering deposit interest rates by small and medium-sized banks in China is prompting depositors to reconsider their investment strategies, leading to a surge in bank wealth management products as an alternative to traditional savings accounts [1][2][3]. Group 1: Deposit Rate Adjustments - Following the major state-owned and joint-stock banks, small and medium-sized banks in regions such as Hunan, Jiangsu, Anhui, Guangdong, Guangxi, and Henan have also reduced deposit interest rates since late May [1][2]. - Many city commercial banks have set their fixed deposit rates below 1.5%, with some even dropping to 1% or lower, which contrasts sharply with the approximately 2% expected returns from wealth management products [1][2]. - For instance, Nanjing Bank has adjusted its fixed deposit rates to 0.7%, 0.95%, 1.15%, 1.25%, 1.35%, and 1.35% for different terms, while Beijing Bank has similar reductions [2]. Group 2: Shift to Wealth Management Products - As deposit rates decline, banks are intensifying their marketing efforts for wealth management products, which are becoming increasingly attractive to depositors seeking better returns [4][5]. - The rapid growth of bank wealth management products is evident, with the total scale reaching 31.24 trillion yuan by June 3, an increase of 144 billion yuan since the end of April [6]. - Wealth management products, particularly short-term fixed-income products, are now viewed as viable alternatives to traditional savings accounts, especially for interest-sensitive customers [4][7]. Group 3: Fee Reductions and Promotions - In response to the competitive landscape, several wealth management companies have announced fee reductions for their products, with some fees dropping to as low as 0.01% [5]. - For example, Zhongyin Wealth Management has reduced management fees for over 20 products since May 20, while Agricultural Bank Wealth Management has also lowered fees for various open-ended products [5]. Group 4: Market Dynamics and Growth Drivers - The influx of deposits into wealth management products is driven by factors such as the migration of funds from traditional savings accounts and aggressive marketing strategies by banks [6]. - Current average yields for newly issued wealth management products exceed 2.50%, with some reaching around 3%, making them more appealing compared to declining deposit rates [6][7].

"改革的核心在于提升治理效能。"业内人士分析指出，当前部分金融机构存在监事会与董事会下设的审 计委员会职能重叠的问题，导致监督资源浪费和运营成本增加。通过职能整合，不仅能够精简机构设 置，更能提高决策效率。 长沙晚报掌上长沙6月6日讯（全媒体记者 刘琼萍）长沙银行近日召开的2024年年度股东大会上，一项 关于取消监事会的议案引发市场关注。根据议案内容，该行不再设置监事会，相关职权将由董事会审计 委员会行使。这一举措并非孤例，而是当前金融机构公司治理改革中的典型案例。就在5月30日，中国 民生银行董事会同样通过了不再设立监事会的决议，显示出这一改革趋势正在行业内快速推进。 记者梳理发现，今年以来，包括工商银行、农业银行、交通银行等国有大型商业银行，招商银行、华夏 银行、光大银行等全国股份制银行，以及长沙银行、重庆农商行等地方法人银行在内的多家金融机构， 均发布了拟撤销或不再设立监事会的相关公告。值得注意的是，这一改革趋势已突破银行业边界，向保 险、信托等非银金融机构及上市公司领域扩展。 据了解，这场公司治理变革的源头可追溯至《中华人民共和国公司法》的修订。为落实新公司法要求， 国家金融监督管理总局于去年末下发配 ...

长沙晚报6月6日讯（全媒体记者 吴鑫矾 陈星源）"长沙银行今年已给我们提供超1000万元的科技型贷 款，利率相比市场主流水平更优惠！"6月6日，在宁乡市基金"宁"来演专场活动（星城投融荟）暨长沙 银行千企万户大走访·宁乡专场现场，湖南凯之成智能装备有限公司（以下简称"凯之成"）相关负责人 进行了分享，他们是今年初落户宁乡的科创企业，仅用3个多月便实现全球首台套光伏清洁机器人和全 国首台套光伏铺装机器人量产，这样令人刮目相看的速度背后，是政企银多方联动的结果。 记者发现，当天活动吸引了100余家企业参加，不少企业和凯之成一样，有科技型企业的优势，也面临 着资金压力等"成长的烦恼"。他们来到现场，就是想通过这场政银企深度联动的活动，找到定制化融资 方案，推动技术、资本与产业实现高效融合，从而激活企业发展的高效引擎。 这样的精准服务正在批量复制。活动现场，长沙银行推出覆盖企业全生命周期的"金融大礼包"："企业 快贷"为线上免抵押产品，额度最高500万元（专精特新企业可达1000万元），自动审批、随借随还，精 准响应中小微企业"短平快"的资金需求；轻资产科技型企业则更适配"科e快贷"，信用额度最高可达 1000万元； ...

Core Viewpoint - The event "Ten Trillion Long Walk, Strong Support for Hunan" held in Ningxiang City emphasizes the strategic cooperation between Changsha Bank and local enterprises to enhance financial support for high-quality economic development in the region [1][3]. Group 1: Event Overview - The event featured the signing of a strategic cooperation agreement between Changsha Bank and Ningxiang Economic Development Zone, aimed at providing robust financial support for regional economic growth [1][4]. - The event was attended by representatives from 100 enterprises and 30 investment institutions, highlighting the collaborative effort to boost local economic development [1][3]. Group 2: Financial Initiatives - Changsha Bank has launched a comprehensive financial service package for enterprises, including customized financial products tailored to the needs of local businesses [5][7]. - The bank's initiatives include "Enterprise Quick Loan" with a maximum limit of 5 million yuan (10 million yuan for specialized enterprises), and "Science e-Quick Loan" for high-tech companies with credit limits up to 10 million yuan [5][7]. Group 3: Economic Development Goals - Ningxiang City aims to achieve a GDP of 141.623 billion yuan in 2024, with a 13.3% growth in industrial added value and high-tech industry output accounting for 26.5% of the total [3][4]. - The city focuses on developing key industries such as advanced energy storage materials, engineering machinery, and smart home appliances, aligning with the "Three Highs and Four New" development blueprint [3][4]. Group 4: Strategic Cooperation - The strategic partnership between Changsha Bank and Ningxiang is expected to enhance the flow of financial resources, supporting the city's industrial strengths and fostering a diverse industrial ecosystem [4][5]. - The bank has provided over 73 billion yuan in loans and served more than 30,000 enterprises, demonstrating its commitment to supporting local economic development [4][5]. Group 5: Future Plans - Changsha Bank plans to increase investments in advanced manufacturing, new energy, new materials, and rural revitalization, while also innovating financial products to meet the evolving needs of local enterprises [5][9]. - The bank aims to explore new business models such as intellectual property pledge financing and supply chain finance to better serve the unique characteristics of Ningxiang's industrial landscape [9].

商业股份有限公司、湖南三力信息技术有限公司、长沙投资控股集团 有限公司的红利由本行自行派发。 证券代码：601577 证券简称：长沙银行 公告编号：2025-033 优先股代码：360038 优先股简称：长银优 1 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： ? 每股分配比例 A 股每股现金红利0.42元（含税） ? 相关日期 股份类别 股权登记日 最后交易日 除权（息）日 现金红利发放日 Ａ股 2025/6/12 － 2025/6/13 2025/6/13 ? 差异化分红送转： 否 一、 通过分配方案的股东大会届次和日期 本次利润分配方案经长沙银行股份有限公司（简称"本行" ）2025 年 5 月 21 日的2024年度股东大会审议通过。 二、 分配方案 截至股权登记日下午上海证券交易所收市后，在中国证券登记结 算有限责任公司上海分公司（以下简称"中国结算上海分公司" ）登记 在册的本行全体股东。 本次利润分配以方案实施前的本行总股本4,021,553,754股为基 数 ， 每 股 派 发 现 金 红 利 ...

证券代码：601577 证券简称：长沙银行 公告编号：2025-033 优先股代码：360038 优先股简称：长银优 1 长沙银行股份有限公司2024年年度权益分派实施公告 每股分配比例 A 股每股现金红利0.42元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2025/6/12 | － | 2025/6/13 | 2025/6/13 | 差异化分红送转： 否 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 一、 通过分配方案的股东大会届次和日期 本次利润分配方案经长沙银行股份有限公司（简称"本行"）2025 年 5 月 21 日的2024年度股东大会审议通过。 二、 分配方案 1. 发放年度：2024年年度 2. 分派对象： 截至股权登记日下午上海证券交易所收市后，在中国证券登记结 算有限责任公司上海分公司（以下简称"中国结算上海分公司"）登记 在册的本行全体股东。 1 3 ...

Core Viewpoint - The recent adjustment of deposit interest rates by various banks reflects significant pressure on net interest margins, with a notable trend of rapid follow-up and substantial rate cuts observed across the banking sector [1][4][5]. Group 1: Rate Adjustments - Since May 20, multiple city commercial banks and private banks have quickly followed suit in lowering deposit interest rates, with some banks reducing rates by as much as 30 basis points [1]. - Shanghai Huari Bank has lowered its deposit rates for the third time since April, with a 10 basis point reduction for both demand and 3-year fixed deposits [2]. - As of May 28, several city commercial banks, including Beijing Bank and Jiangsu Bank, have completed their deposit rate adjustments [2]. Group 2: Comparative Analysis - After adjustments, Ningbo Bank's deposit rates remain higher than those of other city commercial banks, with rates for various terms ranging from 0.80% to 1.60% [3]. - In contrast, Changsha Bank has implemented larger rate cuts, with reductions of up to 30 basis points for longer-term deposits [3]. Group 3: Implications of Rate Cuts - The current round of deposit rate cuts is characterized by larger and faster adjustments compared to previous rounds, indicating ongoing pressure on banks' net interest margins [4][5]. - Analysts suggest that the average reduction in deposit rates exceeds the LPR cut, which may lead to a structural adjustment in bank liabilities, potentially causing a "deposit migration effect" [6]. - The significant rate cuts may prompt depositors to move funds from lower-rate banks to those offering higher rates or to shift some deposits into non-bank financial products [6].

数据统计显示，上证380价值指数近一个月上涨0.48%，近三个月上涨1.43%，年至今下跌1.79%。 据了解，上证380风格指数系列以上证380指数为样本空间，根据成长因子和价值因子计算风格评分，分 别选取成长得分与价值得分最高的120只上市公司证券构成上证380成长指数与上证380价值指数。另 外，上证380成长指数与上证380价值指数分别与样本空间剩余上市公司证券组成上证380相对成长指数 与上证380相对价值指数。上证380成长指数、上证380价值指数、上证380相对成长指数与上证380相对 价值指数构成上证380风格指数系列，从风格特征的角度进一步刻画上证380指数，为投资者提供更具多 元化风险收益特征的投资标的。该指数以2003年12月31日为基日，以1000.0点为基点。 从上证380价值指数持仓的市场板块来看，上海证券交易所占比100.00%。 从上证380价值指数持仓样本的行业来看，工业占比26.33%、金融占比20.30%、原材料占比15.35%、能 源占比9.36%、可选消费占比9.22%、公用事业占比8.01%、医药卫生占比3.37%、主要消费占比3.15%、 通信服务占比2.60%、 ...

咸嘉湖街道工委书记厉雅硕表示，一直以来长沙银行湘江新区支行扎根咸嘉湖街道，始终坚持以服务辖 区居民、个体工商户、中小微企业为宗旨，是辖区营业网点和从业人员最多、服务范围最广、资金规模 最大的地方金融机构，实现了自身发展壮大与服务地方事业发展的双向奔赴。接下来，街道将为银行服 务社区、金融助力发展搭建更多平台、统筹更多资源、提供更多助力。辖区社区要积极配合，推动双方 合作落地生根，确保每一项共建措施都能惠及社区居民、服务社区治理，实现党建引领下的共建共治共 享。 下一步，长沙银行湘江新区支行将持续深化"党建联建+金融联建"模式，传播金融正能量，持续开展形 式多样的金融服务活动，为辖区居民和企业提供更加优质、高效的金融支持，推动银政共建工作不断迈 上新台阶。 长沙晚报掌上长沙5月27日讯（通讯员 宋善丽）为深化党建引领基层治理，推动金融服务与街道需求深 度融合，5月27日上午，长沙银行湘江新区支行营业部与长沙市岳麓区咸嘉湖街道隆重举行党建共联共 建签约授牌仪式，长沙银行湘江新区支行党总支书记、行长冯辉、岳麓区咸嘉湖街道党工委书记厉雅硕 出席签约授牌仪式并致辞，双方签署《党建共联共建协议》，并授予长沙银行"党建共联 ...